Help

Login

How Do I Get Access to My Money…and Other Important Questions! (Q&A Series)

In case you missed our #BankBlack Live event where we answered your questions about OneUnited Bank and the #BankBlack Movement, we will be answering your questions in a series of blog articles. The first of the Q&A series is here. The second is here.

Here is the third of the Q&A series.

#1. I’m a new member and I need to know how I deposit money if I don’t have direct deposit set up.

There are many ways you can deposit money in OneUnited Bank that are all available on our mobile app or through online banking. You can take a picture of a check, deposit in one of our 25,000 surcharge free ATMs (find the ATM nearest you by clicking on Locations in our app) or transfer money from another bank (click on Move Money and External Transfer in online banking). You can also set up direct deposit of your payroll and recurring benefits.

#2. I chose to bank with you even though I live in a city without your local branches. I imagine there are others. Have you considered offering checking accounts options where ATM fees are reimbursed similar to other online banks?

We offer 25,000 surcharge free ATMs for you to deposit and withdraw from your account. To find the ATM nearest you, click on Locations in our mobile app or check the Locations page on our website. You can also get cash back from retailers such as grocery stores or drug stores that offer the option when you make a purchase. We work hard to keep our fees low and our deposit rates high by controlling our expenses, and therefore we do not reimburse for ATM fees.

#3. Do you have plans of upping the daily ATM withdrawal limit? Another bank allows up to $3000 of my balance available for withdrawal? I recently tried to withdraw money to pay a bill and was unable to because of this rule.

Due to customer feedback, we have increased our ATM withdrawal limit from $300 to $500. We understand that some customers would like an even higher limit, however we have to maintain a reasonable limit for security reasons.

#4. Any chance of you allowing out-of-state business accounts? There are a lot of Black owned businesses that would love to send their revenue through your bank.

We do not currently have a way to verify business accounts online in a secure and convenient manner. We will continue to explore new solutions. We appreciate your patience.

#5. Have you ever reached out to Black Lives Matter and issued a national call to action (#BankBlack) for justice?
Yes. As the largest Black owned bank in the country, we created a historic partnership between OneUnited Bank and #BlackLivesMatter to organize the $1.2 trillion in spending power of Black people and launch the “Amir” Visa Debit card. Everyone who receives the Amir Visa debit card will receive communication on how to support and contribute to #BlackLivesMatter. We have other initiatives with BLM that are in the works.

#6. Are you open to actively promoting #BankBlack with Citizens Trust Bank (Atlanta), Industrial Bank (DC), Unity National Bank (Houston) and Mechanics and Farmers Bank in NC?

Yes! We encourage everyone to move our money to Black owned banks and move our minds to practice collective economics. You can #BankBlack with any Black bank.

We work closely with other Black owned banks as members of the National Bankers Association. We meet multiple times per year and share information and advocate for policies to support Black banks and the Black community. We also participate in joint marketing efforts.

Stay tuned for more blog articles where we will answer more of your questions. Hope this has been helpful!

OneUnited Bank

Our community’s dream is now a reality! OneUnited Bank is fulfilling the hundred year old civil rights dream by garnering the savings power of our communities and channeling it back into urban communities for economic development. With your support by simply opening an FDIC insured account with great rates, we will continue to accomplish this dream everyday!

30 Comments

Devon Harper

I am definitely interested in banking with a n black owned bank and would like to know are there any branches in New York City ?

Thanks for reaching out to us Devon. We currently do not have any branches in your area, but you can still bank with us using our online banking products. We offer everything from checking and savings accounts to secured credit cards and even certificates of deposit.Just visit our site at https://www.oneunited.com to learn more or let us know if you have any additional questions.

Veronica Monroe

Hi Veronica, great question! You can turn on Alerts by logging into Online Banking and select NOTIFICATIONS (highlighted in blue at the top of your screen). Select "Add New NOTIFICATIONS" to get started.

Ardis Kyner

Keeps saying something is disabled. I'm trying to long into my checking account and it won't take my password or user name or my phone number. Even though I haven't been active with my account I don't want to lose it..im also overdrawn 6.96cent and I definitely want to correct that plus also make a deposit. Please help.

Hi Ardis, we are happy to hear from you. For this type of question please contact our Customer support team; 1-877-663-8648. You can also contact us using our online form here; www.oneunited.com/customer-service/contact-us.

Paige

I want to my your bank my primary...but I see NO options for immediate deposits. Are there any ATM machines that accept cash deposits since I don't have a local branch near me? Or is there any instant deposit option? Like instant transfers, allowing funding from another debit card, check deposit availability etc...?

Hi Paige, great questions! We have access to 25,000 ATMs nation wide. There are ATMs in the network that do allow you to make cash deposits. If you are depositing checks you can use remote deposit capture through our mobile app. You can find all of the transfer options and deposit hold timeframes in our deposit account agreement here: https://www.oneunited.com/disclosures/Deposit%20Account%20Agreement.pdf.

Marcus Summerville

Hi Marcus, Our loans are real estate secured loans to support home ownership and affordable rental properties. We offer commercial real estate loans for small businesses, but do not currently offer small business loans that are not real estate secured.

janet l thompson

Hi Janet, thank you for your inquiry. Over 50% of the shares of OneUnited Bank are owned by African Americans. OneUnited Bank is a designated by the FDIC as a Minority Depository Institution that is African American owned. The Chairman & CEO, Kevin Cohee, and President & COO, Teri Williams are the majority shareholders. You can learn more about our leadership team on this page of our website: https://www.oneunited.com/about-us/company-profile/management/

Terry Owens

Hi Terry, thank you for your inquiry. Our loans are real estate secured loans to support home ownership and affordable rental properties. We offer commercial real estate loans for small businesses, but do not currently offer small business loans that are not real estate secured.

Geena Powers

Hi,
I have had a reorganization bankruptcy in 2013 from hurricane losses some years ago; have excellent credit now, own my home and have a dual income of 85K w/ only 9K debt....how likely are we able to get a personal loan...we own our vehicles and can submit the blue title to a 2013 vehicle as collateral w/ a 15K value...we need to do some need remodeling on our home and need less than 12K personal loan??? What are the odds?

F. T. Ameen

I have opened an account with your bank but I cannot find a way to create access to my account via online. Would you please post a link here?Thank you.Before I get frustrated with you all and withdraw my money from your bank. Constant searches on the internet and through your portal, I cannot find a way to create an online access to my money.

Hi there. You can access online banking here: https://www.oneunited.com/personal-banking/online-banking/online-banking-login/
If you are still having trouble, please give our customer support team a call at 1-877-663-8648 for assistance.

Hi Cyerria, good question. You can reach out to our Customer Contact Center to discuss all of the options we have for moving money in and out of your account easily by calling (877) 663-8648 or by filling out our contact us form here: https://www.oneunited.com/customer-service/contact-us/